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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,835 | $78,670+14.2% | $109,173-17.7% | $85,847+4.6% |
| Participation rate | 34.4% | 68.3%-33.8pp | 75.9%-41.4pp | 69.3%-34.9pp |
| Annual return | 15.14% | 25.09%-10.0pp | 25.75%-10.6pp | 318.61%-303.5pp |
| Employer contribution / active EE | $424 | $2,734-84.5% | $3,723-88.6% | $2,565-83.5% |
| Participant deferral / active EE | $2,842 | $3,467-18.0% | $4,654-38.9% | $3,952-28.1% |
| Admin fee / account holder | $12,618 | $5,469+130.7% | $6,755+86.8% | $6,261+101.5% |